Social Capital Fund – Earn up to 7.5%. Change lives. Invest today!

How do we know we’re investing in good? Far too often, we don’t. Whether we’re buying stocks, making a deposit at the bank, or saving for retirement, it’s hard to ensure that our money is matching our values. But with our Direct Public Offering, or DPO, that all changes. See why others invested, read our pitch deck, and Invest in Good today!

Can your other investments do this?

Invest as little as $1,000 (or as much as $5 million)
Earn up to 7.5%
Help American families fix their finances
Enable 17,000 life-changing loans
Fight payday lenders and other predatory financial services
Create 60 jobs over five years

How It Works

(For a more detailed overview, see Prospectus Section V: Offering; Plan of Distribution)
An investment in Social Capital Fund is an investment in a more just and equitable future. Here’s how to invest:

Read the Investor Prospectus
Complete the Investor Inquiry Form or contact our President, Andy Posner, to discuss your investment:
- Andy@SocialCapitalFund.org
- 866-584-3651, Ext. 105
Fill out an Investor Subscription Agreement (we’ll provide it later)
Receive interest-only payments annually each January until your loan matures
Upon loan maturity, receive one final payment of interest plus principal

Investment Yields
This table lists the maximum interest rates available for investments of given size and term. Any investor may elect to receive a lower interest rate.

Initial Investment	5 Years	7 Years	8 Years	9 Years
$1,000 - $10,000	1.5%	2%	2.5%	3.5%
$11,000 - $50,000	2%	2.5%	3%	4%
$51,000 - $250,000	3%	3.5%	4%	5% Our Most Popular Option
$251,000 - $500,000	3.5%	4%	4.5%	5.5%
$501,000 - $1,000,000	4.5%	5%	5.5%	6.5%
$1,001,000 - $5,000,000	5.5%	6%	6.5%	7.5%

Social Capital Fund is a nonprofit, tax-exempt, Type I supporting organization under Section 509(a)(3) of the IRS Tax Code because it is supervised and controlled by its supported organization, Capital Good Fund. It does so in two ways: first, Social Capital Fund provides loan servicing to Capital Good Fund—things like loan review and collections—that improve operational efficiency. And second, Social Capital Fund raises social investments from forward-thinking individuals, family foundations, endowments, and financial institutions. Even better, Social Capital Fund pays these social investors up to 7.5%, and uses the funds to enable Capital Good Fund to invest in its seven-year plan to cover 100% of its operating expenses from its loan portfolio.

Here’s how it works: you invest as little as $1,000 or as much as $5 million in Social Capital Fund. Social Capital Fund releases the funds to Capital Good Fund, which makes thousands of loans to American families. As these loans are paid back with interest, Capital Good Fund forwards a portion of the earnings to Social Capital Fund, which then pays you back—plus interest—on your maturity date. Along the way, you’ll also receive annual interest-only payments. This one-of-a-kind social investment opportunity improves our communities while offering competitive interest rates!

Incredible impact

While maturing, your investment enables Capital Good Fund to provide affordable loans and Financial Coaching to thousands of low-income families. For the past eight years, Capital Good Fund’s transformative loans have enabled families to cover medical expenses, move into safer apartments, cover the cost of citizenship, repair vehicles, and more.

A better economy

Poverty benefits no one, perhaps aside from the predatory financial services industry that takes advantage of the poor; the rest of us stand to benefit from an equitable economy. Providing low-income Americans the financial services they need—access to credit and sound financial advice—enables them to invest in themselves, their families, and their communities. The end result? A better economy.

Stronger families

Many low-income families are denied access to equitable financial services, and are left paying extortionary interest rates to payday lenders, rent-to-own stores, buy-here-pay-here car dealerships, and others—a $100 billion industry. Predatory lenders drain hard-earned and much-needed money from the bank accounts of the poor and vulnerable. Your investment helps Capital Good Fund, and those we serve, fight back!

Looking to get a safer car for her and her daughter, Sherlie took out a car loan with us. “I know that [anything I do] with Capital Good Fund is going to be done with my best interest in mind and that the staff will treat me with respect,” she said. Sherlie and her daughter can now get to work, school, or anywhere life takes them! Watch Sherlie on WPRI!

Sherlie Car Loan Client

Adeyinka has a gift when it comes to relating with others and their troubles. When she sought to publish her first book—an inspirational work about community and personal strength—she needed funding. We gave her a loan, and the rest is history. “It gives you a sense of belonging—to know you can go somewhere to start this thing you’ve been dreaming of and thought you’d never do.”

Adeyinka Loan Client

John is one of the many, many Americans who have gotten trapped in the payday loan debt cycle. Wanting to break free once and for all, John got a debt assistance loan from us, which allowed him to pay off his full balance while saving him hundreds. “You feel comfortable. It’s very personal and there’s a face-to-face component.”

John Loan Client

Finances have gotten Nikki into some tough spots throughout her life, including utility shutoffs and struggling to put food on the table for her children. To take charge, Nikki started our Financial Coaching program. “If my finances are messed up, I can’t take care of me—I can’t take care of my children. So I learned better—how to survive.” Watch Nikki’s Story!

Nikki Coaching Client

Dorothy came to Rhode Island looking for a fresh start in life. Being far away from the grandchildren she loved, she always wanted to at least send Christmas gifts, but could never get the money together. We gave her a loan to finally make it happen. That Christmas, she sent us a holiday card and thanked us: “I can finally feel like a grandma again.”

Dorothy Loan Client

Andrew Posner

President

Andrew Posner

President

Jenn Steinfeld

Vice President

Jenn Steinfeld

Vice President

Ana Silva

Secretary

Ana Silva

Secretary

Jason Jagatic

Treasurer

Jason Jagatic

Treasurer

INVEST IN GOOD

Earn up to 7.5%. End poverty.

About us